Developed with the challenges of LeadingAge members in mind, SafeGuard products help employers to attract and retain valued employees and increase the value of the benefit package provided without increasing cost.

Improved benefits communication with employees, paired with the solutions provided by the SafeGuard program, helps employees feel valued, protected, and increasingly loyal to their employers.

Payroll deduction management through the SafeGuard program provides one central provider for premium payment, reconciliation and reporting. Elimination of these and other administrative functions associated with traditional voluntary benefits allows you to focus efforts on other critical organizational goals.

Powered by combined worksite solutions®, a division of Combined Insurance

SafeGuard is brought to you by Combined Worksite Solutions® and Advanced Voluntary Concepts, a long-standing LeadingAge Gold Partner. Together, Combined Worksite Solutions® and Combined Insurance offer more than 90 years of industry experience. A national leader in enrollment and benefit communication and experience with LeadingAge member organizations of all sizes, Combined Worksite Solutions® and SafeGuard expand your benefit package while providing the coverage your employees need.

Products

Accident:

Pays cash benefits directly to employees when injured due to an accident, helping to pay for the unexpected costs of an accidental injury.

Sports Package may assist with injuries sustained while playing organized sports.

Rehabilitation Package covers admission and confinement care, as well as recovery at home.

Family Care pays for up to 30 days of childcare during a parent’s recovery.

Critical Illness:

Protects employees from the financial consequences of serious medical illness.

Pays a lump-sum benefit if the employee is diagnosed with or treated for one of several covered conditions – the money can be used in any way the employee chooses.

Mortgage and Rent Helper assists with on-hand cash required to cover housing expenses during times of missed work due to illness.

Advocacy Package provides personal and confidential ongoing support throughout an illness.

Life Insurance:

Valuable coverage that provides peace of mind by paying benefits that can help an employee’s loved ones with:

Rent and mortgage

Long Term Care*

Education

Childcare

Retirement

Family debt

Household expenses

Burial

Disability Income:

Pays cash directly to employees to help when he or she is disabled due to an accident or sickness.

Unbundled coverage provides employees the choice between sickness, off-the-job accident, or on-the-job accident (in addition to what workers’ compensation would cover) to suit their needs.

Plan design includes elimination and benefit periods that allow for customization to meet the needs of your employees.

Partial Recovery Benefit pays for specified time following a total disability if the insured returns to work and earns less than 75% of pre-disability earnings.

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COMBINED INSURANCE COMPANY OF AMERICA

COMBINED LIFE INSURANCE COMPANY OF NEW YORK

NEW YORK: 13 CORNELL ROADLATHAM, NY 12110

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These policies have exclusions and limitations. For costs and complete details of the coverage, contact your insurance agent or the company. These accident, critical illness, and disability income policies 1) provide limited benefits; 2) are supplemental coverage and are not a substitute for Major Medical Coverage. Lack of Major Medical Coverage (or other minimum essential coverage ) may result in an additional payment with your taxes.

Products vary by state. Subject to availability and qualifications. Life, accident & sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York. Combined Insurance Company of America is not licensed and does not solicit business in New York.